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I think you have to tell them your anticipated annual mileage and the length of term before wanting to change (24 / 36 months I would guess) and they will give you an agreed buy back value that becomes the final “balloon payment” after typing numbers into some sort of VW web calculator.
Once they know what the final balloon payment value is, it’s the remaining balance split over the terms +interest.
I had a balloon payment of £6250, monthly payments of £180 inc 3.9% interest.
Most dealers should “price match” carwow or similar online retailers
If you need an indipendant opinion I’m sure my now retired Dad will vette whatever the dealership is saying, he sold all these finance products until about 8 months ago
mcmyk
£34,858 is the best offer for the Golf (via Carwow) and is based on financing the car.
Is there a straightforward way of calculating what the PCP would look like from that (interest is 4.9, deposit contribution of £1,000), or so I have to wait for the dealer to provide this?